<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE FOURTH
QUARTER/FISCAL  YEAR END 10-K AND IS  QUALIFIED  IN ITS ENTIRETY BY REFERENCE TO
SUCH 10-K
</LEGEND>

                                            
<PERIOD-TYPE>                                  YEAR
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                          19,998,788
<INT-BEARING-DEPOSITS>                           2,077,359
<FED-FUNDS-SOLD>                                 7,870,453
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                    191,959,067
<INVESTMENTS-CARRYING>                           2,883,706
<INVESTMENTS-MARKET>                             2,872,807
<LOANS>                                        729,036,847
<ALLOWANCE>                                      4,082,265
<TOTAL-ASSETS>                                 995,574,638
<DEPOSITS>                                     695,380,871
<SHORT-TERM>                                     3,000,000
<LIABILITIES-OTHER>                             15,469,206
<LONG-TERM>                                    173,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            73,662
<OTHER-SE>                                     108,650,899
<TOTAL-LIABILITIES-AND-EQUITY>                 995,574,638
<INTEREST-LOAN>                                 57,133,422
<INTEREST-INVEST>                               14,531,761
<INTEREST-OTHER>                                   492,546
<INTEREST-TOTAL>                                72,157,729
<INTEREST-DEPOSIT>                              28,363,916
<INTEREST-EXPENSE>                              40,756,220
<INTEREST-INCOME-NET>                           31,401,509
<LOAN-LOSSES>                                    1,764,000
<SECURITIES-GAINS>                                   6,836
<EXPENSE-OTHER>                                 23,772,873
<INCOME-PRETAX>                                  9,959,310
<INCOME-PRE-EXTRAORDINARY>                       9,959,310
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     6,426,152
<EPS-BASIC>                                           0.94
<EPS-DILUTED>                                         0.94
<YIELD-ACTUAL>                                        2.50
<LOANS-NON>                                        810,746
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 2,483,625
<CHARGE-OFFS>                                      606,999
<RECOVERIES>                                       441,639
<ALLOWANCE-CLOSE>                                4,082,265
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          4,082,265